Credit Risk Manager

Title: Credit Risk Manager

Location: Paris, FranceAbout the ClientOur client, a well-established bank based in Paris and part of an international banking group, is looking for an experienced Credit Risk Manager to lead its credit risk and credit commitments function.

Reporting to the Chief Risk Officer, you will oversee credit decisions, monitor portfolio risk across group entities, and make sure the bank meets French and European regulatory requirements. You will lead a dedicated team and give senior management a clear view of credit risk across the organisation.Key ResponsibilitiesOversee the assessment of credit applications and credit-granting decisions, ensuring compliance with internal policiesLead and develop the credit commitments team, driving its performanceIdentify, assess, and manage credit risk across loan portfolios, including monitoring authorised and unauthorised limit overrunsReport to and lead the Credit Risk Committee, setting KPIs and risk-monitoring toolsManage non-performing loans and provisioning, and run stress tests and scenario analysis to anticipate emerging risksDraft and update credit policies and procedures in line with regulation, in coordination with group entities and the parent companyProduce credit portfolio reporting for senior management and the parent group, deliver ACPR regulatory reporting, and support group entities with local regulatory reportingPartner with commercial teams on tailored financing solutions and contribute to process improvement and cross-functional risk projectsKey RequirementsMaster’s degree in Finance, Banking, Economics, or a related field7+ years in credit risk, credit analysis, or credit commitments within a bank, including team management experienceSolid knowledge of the French and European banking regulatory framework, including ACPR reporting and prudential requirementsStrong credit analysis skills and hands-on experience with credit-granting processes and credit committeesExperience with NPL management, provisioning (ideally IFRS 9), and stress testingProven ability to lead, train, and motivate a teamFluent in French and English, with strong report-writing and presentation skills for senior audiencesRigorous and analytical, with the confidence to challenge commercial teams and build relationships at all levels; multi-entity or international group experience is a plus